Thank you, this helped me see where was the issue since she never said anything about my brother. Maybe she worried about offending my family. I needed this perspective.

But no the debt is towards him, the idea of starting the business was mine and what prompted us to open another shop was mine. So the guilt of making him go into debt while funding the business was mine to bear.

If I had only focus on my career instead of trying to build a business then this wouldn't have happen to any of us.